What should I do if Facebook Ads flags my VCC as high-risk?

If Facebook Ads flags your Virtual Credit Card (VCC) as high-risk, it's often due to suspicious activity patterns that the platform associates with potential fraud or abuse. The good news is you can resolve the issue and continue running ads by following the right steps. Here's how to handle it:

🔑 Why Facebook Flags VCCs as High-Risk
Unusual or new payment methods: Facebook flags new ad accounts or accounts with limited history that suddenly add a VCC.

Frequent VCC changes: If you're rotating or changing payment methods often, Facebook might interpret this as an attempt to evade bans or engage in fraudulent behavior.

Mismatched billing info: If the billing info on the VCC doesn't match the account's region or business name, Facebook could flag it.

Geolocation and IP issues: If you're using a VCC from one country, but the IP address or account location is from another, this may trigger flags.

VCC providers with poor reputation: Some VCCs are commonly used for fraudulent activity, leading Facebook's systems to flag them.

🛠� How to Resolve the High-Risk Flag Issue
✅ Step 1: Ensure Your VCC Is Legitimate
Use trusted VCC providers that are less likely to be flagged (e.g., Privacy.com, Revolut, or Capital One Eno). Avoid disposable or low-reputation VCCs.

Ensure the billing details (name, address, and phone number) on the VCC match your Facebook Business Manager info or personal details on Facebook.

If you're using multiple VCCs, reduce the number and avoid constantly switching cards.

✅ Step 2: Resolve Payment Method Issues
Remove the flagged VCC from your account and replace it with a more traditional or verified payment method (e.g., a physical credit card or a VCC from a reputable provider).

Check your VCC balance and ensure it's valid and has enough funds to cover Facebook Ads charges.

✅ Step 3: Appeal the Flag
If Facebook has flagged your account, here's how to appeal the flag:

Go to Account Quality: Visit Account Quality.

Select the ad account or payment method flagged for risk.

Look for an option like "Request Review" or "Appeal".

Explain the situation: Keep it simple and honest. Mention that the payment method (VCC) was added inadvertently or due to account management purposes.

Example: "I understand that my VCC was flagged for high risk. I've replaced it with a verified payment method and would like to request a review of my account."

✅ Step 4: Contact Facebook Ads Support
If you're not able to resolve the issue through Account Quality or the appeal process, contact Facebook Ads support directly:

Go to the Facebook Business Help Center.

Select Contact Support and choose Payment Issues as your topic.

Explain the problem clearly in your chat with support or in an email.

Example: "My VCC has been flagged as high-risk and I am unable to complete transactions. I've added a new payment method and would like to continue advertising."

🧠 Pro Tips to Prevent Future Flags
Use one VCC per ad account, especially for new ad accounts. This helps build trust over time.

Always ensure your business details (name, address, and phone number) are consistent across Facebook and your VCC's billing info.

Gradually scale up your spend instead of spending big amounts right away. Facebook might flag high spend spikes as suspicious.

Avoid using VPNs or proxy IPs that don't match your billing address or region.

Make sure your ad account history is clean (i.e., no disapproved ads or policy violations).

⏳ What to Do if the Flag Is Still Not Lifted
If you've followed all the steps and still can't resolve the issue:

You may need to wait for Facebook's review process to complete (this could take several days).

In extreme cases, consider starting a new ad account if Facebook permanently flags the old one.

Keep in mind that Facebook is cautious with new accounts or suspicious payment methods, so it may take time to regain full access to your ad account.